Hello,


My girlfriend and I are looking to buy our first house together, both first time buyers. We have an agreement in principle We have an offer in and are just waiting to hear back. The agreement in principle is with Halifax.


My brother and his girlfriend are also looking to buy as well. Have an agreement in principle but my brother messaged me today saying that they've had an issue with the application as the credit check has picked up some negative stuff on his credit report. The only reason they are on there is due to an idiotic family member who took out multiple catalogue accounts and mobile phone contracts in his name. He thought they had all been removed after speaking to the companies.


This family member has done the same to me but I thought they had all been removed after several emails and phone calls with the debt agencies but after using Check My File it turns out they haven't.


I use Credit Karma for my credit report and there is no sign of them on there, which is why I thought I would be ok to go ahead with a mortgage application.


I need a bit of advice of what to do. Do we go ahead with the full application and see what the result is? Does my girlfriend go for the mortgage just in her name and possibly add me to it at a later date? Do I ask my parents to be a guarantor for me and hopefully improve my chances of having the application accepted?


Any advice is very much appreciated.